Notes to and forming part of the Unconsolidated Financial Statements

For the year ended December 31, 2018

Credit risk by public / private sector

Gross advances Non-performing advances Provision held
2018 2017 2018 2017 2018 2017
--------------------------------------------------------------- (Rupees in '000) ---------------------------------------------------------------

Public / Government 331,031,291 196,373,363 1,089,630 1,089,630 22,313 22,313

Private 445,241,050 473,682,337 67,472,091 51,157,061 55,870,712 39,419,297
776,272,341 670,055,700 68,561,721 52,246,691 55,893,025 39,441,610

2018 2017
------- (Rupees in '000) -------
47.1.4 Contingencies and Commitments

Credit risk by industry sector

Agri business 84,806 29,386
Airlines 444,064 337,255
Automobile and transportation equipment 5,442,636 7,825,329
Cables 416,415 648,521
Cement 9,657,312 7,906,329
Chemical and pharmaceuticals 3,832,528 3,401,520
Construction 20,745,074 30,217,512
Containers and ports 1,092,000 1,092,000
Contractors 19,364,259 22,246,724
Electronics and electrical appliances 3,089,509 3,815,472
Engineering 19,369,801 17,371,474
Fertilizer dealers 5,133,758 5,458,328
Financial 714,168,003 565,602,405
Food industries 10,004,607 6,182,233
Glass and allied 380,484 191,961
Hotels 153,631 166,290
Individuals 3,721,732 9,388,264
Paper and allied 3,304,861 4,560,342
Polyester and fiber 6,498,849 2,396,842
Production and transmission of energy 132,743,634 105,102,591
Shoes and leather garments 95,932 528,579
Sugar 1,700,230 2,066,348
Surgical and metal - 85,103
Telecommunication 11,070,166 12,212,381
Textile composite 5,075,008 5,944,634
Textile others 4,506,514 5,712,448
Textile spinning 5,472,684 5,870,989
Textile weaving 4,428,557 5,236,354
Wholesale traders 2,192,183 2,059,746
Others 124,710,258 115,693,017
1,118,899,495 949,350,377
Credit risk by public / private sector
Public / Government 503,906,705 179,114,844
Private 614,992,790 770,235,533
1,118,899,495 949,350,377

134 United Bank Limited